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processRow

Method to process one row of the data. See for separate mini-batch logic below.
Numeric and categorical values are passed separately, as is response.
Categoricals are passed as absolute indexes into the expanded beta vector, 0-levels are skipped
(so the number of passed categoricals will not be the same for every row).
Categorical expansion/indexing:
Categoricals are placed in the beginning of the beta vector.
Each cat variable with n levels is expanded into n-1 independent binary variables.
Indexes in cats[] will point to the appropriate coefficient in the beta vector, so e.g.
assume we have 2 categorical columns both with values A,B,C, then the following rows will have following indexes:
A,A - ncats = 0, we do not pass any categorical here
A,B - ncats = 1, indexes = [2]
B,B - ncats = 2, indexes = [0,2]
and so on